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Do I Really Need Uninsured Motorist Coverage In Florida?

Florida requires all motorists to carry at least $10,000 in Personal Injury Protection (PIP) insurance. This coverage pays for each motorist’s medical bills and damages in the event of an accident regardless of who is at fault. This means that each motorist is essentially responsible for their own damages.

However, it is not uncommon to hear insurance providers encourage motorists to also carry uninsured motorist coverage. Given the no-fault laws in the state, is it really necessary to carry uninsured coverage? An expert lawyer explains why it is a prudent choice to get uninsured motorist coverage.

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage will help you pay for damages and losses if you were hit and/or injured by a motorist who was driving without or with little insurance.

Florida’s No-Fault System And Uninsured Motorist Coverage

Florida’s no-fault system means that the motorist’s own insurance will cover their respective damages and losses. However, there are some cases when the damages one driver incurs exceeds their PIP coverage. In such a case, they are entitled to file a lawsuit against the other driver, that is if they believe the other driver carries a higher degree of fault than them. If the court finds that the other driver indeed is at fault, they will be asked to pay compensation that corresponds to their level of fault.

Typically, the at-fault driver’s insurance will cover those damages. However, if the at-fault driver only carries the minimum coverage and the total damages they need to pay exceeds that amount, who will pay the victim, then?

This is where uninsured motorist coverage comes in handy. When you have proven that the other driver is at fault and they cannot pay the compensation, your uninsured motorist coverage will cover that amount, up to policy limits. This way you will still get compensated even if the other driver cannot afford to pay you.

Do You Need Uninsured Motorist Coverage?

The state of Florida does not require motorists to carry uninsured motorist coverage, but it is nice to carry one. Why?

For one, although Florida requires all motorists to carry PIP, the state has one of the highest rates of uninsured drivers. Data from the Insurance Information Institute reveals that over 12% of drivers in Florida are uninsured. This does not yet include the number of drivers who only carry the minimum amount of PIP coverage.

Uninsured motorist coverage, thus, will financially protect you from the irresponsibility of other motorists. If they cannot afford to pay the damages you incurred, you will have no choice but to carry the burden yourself, which can be financially and mentally taxing. When you have an uninsured motorist coverage, you have an extra layer of safety net against financial ruin.

So, to sum up, technically, you do not need uninsured motorist coverage. However, for the sake of protecting your finances in the event of an auto accident, it is best to carry an uninsured motorist coverage on top of your personal injury protection insurance. In the end, you are not protecting the uninsured motorist but yourself and your loved ones.

Were You Hit By An Uninsured Motorist?

So many things can happen when you are involved in an accident with an uninsured motorist that the best course of action to hire a car accident lawyer immediately. A skilled lawyer can help you determine the best course of action so that you can get the compensation you deserve, whether it is from your PIP coverage, your uninsured motorist coverage, or the at-fault motorist. We can help you build your case and prove your innocence if necessary. Contact us today.

Attorney David Goldman has a strong belief that everyone should be treated fairly and those with the means should do what they can to bring justice in all areas of our society. That belief has led him to help Florida's injured from being taken advantage of by corporations and insurance companies. Since 1989 David Goldman has been fighting for the rights of Floridians both as an attorney and by personally supporting our community.

Do I Really Need Uninsured Motorist Coverage In Florida?

Goldman Babboni Fernandez
Murphy & Walsh

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